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GE Double Door Refrigerator flooding [merged]

Yes

Excellent advice.
I was rear-ended coming north out pof Montgomery, AL.
Turned tghe matter over to my Fram Bureau Insurance agent, paid the $500 deductible, and when they finally settled with the rear-ender I got my $500 back from the insurance company.

Ask your adjuster about the additional expenses (eating out, etc.) as they should be covered.
 
I am not a lawyer but can offer a personal opinion from an insurance standpoint

GE is liable for all of the costs associated with the defective part which caused the water damage including the property damage to your unit, and your neighbors, and your extra expenses generated because of the loss, which should include the costs of having to eat out, or if you need to obtain temporary lodging while repairs are underway.


I am not sure that answer is correct. First, was your refrig under warranty? If not, I don't know that you have any recourse. Second, if it was under warranty what does the warranty say? Most appliance warranties are limited to repair of the device itself and specifically exclude consequental damages such as the damage to your place. Obviously, some research needs to be done before you can get an answer to your question. You might consider writing to GE Customer Service and ask them to pay for your other damages. Their response will let you know what they think they are liable for. If you are unhappy with their response you might consider paying for a legal consultation to see if GE is correct or not in their assessment.
 
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I think it will probably be fruitless to go after GE. They have the resources to simply "out-lawyer" you. Unless hundreds of people have had the same problem, a class-action suit is probably out of the question. (Although, two of us on one forum is probably a good indicator that there is a severe design flaw with their ice-making system.)

You probably will have better luck with your insurance company -- let THEIR attorneys go after GE. As long as the damage is repaired, it really doesn't matter where the money comes from, right?

Read your insurance policy cover to cover -- highlight the good stuff. Then run it by an independent adjuster. Your insurance company's adjuster is there to make sure they pay out as little as possible. You'll need a second, third or even fourth independent opinion.
 
Never had a problem with a GE device. They even sent me a manual for a 15 year old micro and over the phone instructed me how to use it.
 
The insurance adjuster is working for THEM to pay you the least - your insurance adjuster will work for YOU to get you the most possible. .

Not true. I work with insurance adjusters on a regular basis. I find it rare when an adjuster is trying to short change an insured. Are they going to pay more than the coverage the policy provides? Not usually, and they shouldn't.

When a public adjuster is used they will get a portion of the claim payment as teher expenses. So in fact it is possible to get less than you would have if you had pursued the claim yourself without their help.

If you feel that a claim is not being handled properly contact the agent who sold you the policy. That is what they get paid for - to know the coverages and provide personalized service. If that is not being provided get a new agent.

Are there bad adjusters out there? Absolutely. Every field of business has people who don't know what they are doing. But there are a lot of good ones too. My experience has found that most carriers are likely to overpay claims than underpay them.

Sorry about the rant. Sometimes it is just tiring to be in the insurance field business. :crash: When was the last time you called an insurance professional because you were having a good day?

Back to the topic. Discuss all the facts with the adjuster and then make a decision if you need to pursue other avenues of recovery.
 
My experience has found that most carriers are likely to overpay claims than underpay them.

You bet. After hurricane Wilma flooded my hometown, we were all dancing in the streets and singing show-tunes because our insurance companies were overpaying us, big time. :rolleyes:

OP, if you think you're getting a fair shake with your adjuster, great. But I'd plan on having at least three pairs of eyes look at the settlement.
 
After hurricane Wilma flooded my hometown

Flood is underwritten by our wonderful government. I don't want to hijack the thread but most insurance 'rules' about settling claims make sense, until the government gets involved. Then it makes no sense at all.

I was an adjuster for years. My compensation had nothing to do with how the claim was settled, how many claims I settled, how much money I gave out or did not give out. I could pay for anything I wanted as long as I justified it. 90% of the time they are black and white decisions. Out of the 100+ people I worked with over my tenure none were motivated by anything other then honorable intentions (well of course there were the occasional crazy nut jobs but hey, you find them everywhere and they were weeded out soon enough).
 
My advice is to be sure to keep impeccable records. Keep your receipts for any additional cost you incur as a result of this: Receipts from restaurants, hotel rooms if you need them, buying 'non-perishable' groceries, an inventory of food you've lost in the frig/freezer, etc.

This makes me nervous as we have a GE side-by-side and it's about 16 years old now--not sure how long this has been going on with this model.
 
Flood is underwritten by our wonderful government. I don't want to hijack the thread but most insurance 'rules' about settling claims make sense, until the government gets involved. Then it makes no sense at all.

Ok, probably a poor example. How about this instead:

After Hurricane Georges knocked down 1/3 of the trees in my home town, homeowners with damaged roofs, cars, windows and yards did the Charleston (with lots of jazz hands) because the insurance companies were handing out way too much money. :rolleyes:

I guess I've just never had much luck with adjusters. I always had to hire an independent adjuster to force my insurer to pay what I was due under my policy.
 
Flood is underwritten by our wonderful government. I don't want to hijack the thread but most insurance 'rules' about settling claims make sense, until the government gets involved. Then it makes no sense at all.

I get your point totally. It is almost our duty as citizens to complain about "the govment". On the other hand, we do actually have a "wonderful government". Whenever I read the news about Iran etc., I just feel lucky to be living here.
 
Update: We have elected to have AAA handle the case. GE has been very non-responsive except for admitting it was a faulty part that caused all this. AAA has relocated us to Marriott Residence Inn to stay while the demolition and tile removing is taking place. Hopefully we are on our way to put in new tile, paint before we leave for Maui in a week and a half but so far AAA has been just great!!!
 
Update: We have elected to have AAA handle the case. GE has been very non-responsive except for admitting it was a faulty part that caused all this. AAA has relocated us to Marriott Residence Inn to stay while the demolition and tile removing is taking place. Hopefully we are on our way to put in new tile, paint before we leave for Maui in a week and a half but so far AAA has been just great!!!

Hey Cathy,

My GE ice system just broke again. Same part. Luckily, this time it froze "closed" and no water could reach the freezer.

Piece of miserable junk. :crash:

This time it's under warranty because they just fixed it 2 months ago. If it breaks again, I'm buying a Sub-Zero.
 
What type of lawyer should I get?

(Merged with original thread on this topic for continuity. - DeniseM Moderator)

Over 1-1/2 months ago I wrote about our two yr old GE refrigerator icemaker flooding our whole downstairs; tile floors being torn up, etc. Today we finally got all the repairs done and it looks like costs have surpassed $40,000! :bawl:

We think we need a lawyer to help retrieve the many costs that AAA insurance won't cover like the $1000 deductible and some other gross inconveniences. What type of attorney would best serve us?

Thanks in advance!
 
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Who do you plan to sue? GE? Was it under warranty? (not that I'm sure that matters)

I was a paralegal in a past life and the firm I worked for always sent cases like this to a product liability lawyer.
 
Did you ask AAA if they are subrogating? That will give you a general idea of your chances. If they say "yes, of course we are", I would contact an attorney. If they say no, I would ask some questions and see what their reasoning is. They will typically do some legal searches to see if the problem you had was ever in court before and what the outcome was. It might be enough info to help you determine your course of action.
 
I've learned to really hate GE Appliance division. We're in the middle of a full kitchen remodel, and put in a GE gas stove. The contractor converted to propane for us. Note that the conversion kit is included with the appliance, and is dirt simple. You flip a switch on the regulator from the natural gas to the propane position, and you replace the little brass orifice on each of the 4 burners. That's it.

But the flames were way too high. The lowest setting on the "precision simmer" burner produced an inch flame, and burned everything. So I called GE. After voice mail h3ll (of course), I got a service rep and explained the problem.
"Was it installed by a GE qualified technician?"
"It was installed by my contractor, so I assume he's qualified."
"Well, if he's not GE certified, we can't give him any information."
"You mean that if he calls to ask how to adjust this thing, you won't talk to him?"
"Not without a GE certification number"
"OK, how do I get a GE certified technician?"
At this the lady gave me another phone number to call.
Called that number, talked to another CS rep. Made an appointment to have their technician out to look at the problem.
"Since it was just installed yesterday, this is under warranty, right?"
"Yes. No charge."
Until she called back the next day.
"I have a question on your service call. Was this appliance on natural gas or propane?"
"Propane."
"Oh, I'm sorry. Our technicians are not certified to work on propane."
"But this is the number I was given yesterday. I was told that only GE certified technicians can work on this appliance. So who can?"
"Our technicians can only work on natural gas."
After escalating to her supervisor, the supervisor looking up regulations, and 4 phone calls in which I pointed out that they were the ones that said I had to use their technicians, I finally got them to send a propane qualified, GE certified, appliance tech.
"But you know that when you switched to propane, you voided the warranty. The service call will be $100."
Of course I argued about that, but was defeated. Paying $100 to get this thing to work would be better than sending it back (contractor threw out the packing materials; and the granite countertops were cut to fit this unit exactly).

So, after cancelling the first appointment, the technician shows up. He was a nice guy, and adjusted the flame. He told DW that he wasn't allowed to show or explain to her how to do it. But she watched over his shoulder. There's an adjustment screw underneath each knob. Takes 5 minutes to adjust them all. This is what you have to be a GE certified propane specialist to do -- take off a knob and turn a screw.

He apparently didn't charge us for this, though we're watching for a bill from GE. He also thought it bogus to charge us for an appliance installed just days ago.

The hassle involved was incredible. Probably 5 hours on the phone total, plus DW had to wait all day for a technician to show up. Not to mention the blood pressure rise. All they had to do was print the location of the adjustment screw in the installation guide!

I hate GE Appliance division.

-Bob

Take this exact scenario and just change the "stove" to "washing machine" although not gas. My daughter and SIL bought a GE Profile washer when they moved in to the house they bought 2.5 years ago. This was a nightmare and it broke down three times in the first year. The scene was much the same :wall: but the 3rd :annoyed: GE certified repair guy was very thorough and ordered all (and I do mean all) new parts such that the only thing that remains original is the outside case. :clap: This was a "lemon" but no way were we able to get GE to step up to that. :wall: Sooo next best was having everything replaced and then arguing until they extended the warranty 6 mos. :clap: :clap: So far so good. :ponder:

Beverley :cheer: :cheer: :cheer:
 
GE and the part was under warranty. The icemaker didn't stop pouring water into its container (all night) and we came down to a flooded 1000 sf of house.
 
yes, AAA IS subrogating and actually is in the process right now. We are out the $1000 deductible right now plus a tremendous amount of extra inconveniences like living in our bedroom -- eating, sleeping and watching TV for weeks. The downstairs (living, family, dining and kitchen) were inhabitable.
 
MelBay -- thank you -- that sounds like the right type.
 
I would have the house inspected for mold. Good Luck..
 
bobcat: The Flood Control people pulled out our lower kitchen cabinets(supporting the granite tops with sticks), removed the wood stuff on lower walls, tore up 1000 sf of floor tiles and kept blowers going for two solid weeks. They even taped all of our air vents upstairs. They have certified we are mold-free, thank goodness.
 
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